Dubois-Pike Federal Credit Union

What Dubois-Pike Federal Credit Union does

Dubois-Pike Federal Credit Union is a federally chartered, member-owned nonprofit credit union headquartered in a single location at 650 W. 2nd Street, Jasper, Indiana. Its field of membership is restricted to residents and businesses of Dubois and Pike counties in Indiana, and it operates under the regulatory oversight of the National Credit Union Administration with NCUA deposit insurance and Equal Housing Lender status. The institution generates revenue primarily through net interest spread on a diversified consumer lending book (auto, mortgage, HELOC, RV, personal, student, share-secured, and credit card loans) and through fees on deposit, overdraft, and card services; deposits are sourced from share accounts, share certificates, money market, IRAs, club accounts, youth accounts, and checking accounts.

The credit union's technology stack is conventional retail banking infrastructure: an SSL-secured marketing and informational website (duboispike.org) built on a WordPress content management system, a hosted online banking login at mobicint.net, and the DPFCU Mobile Banking App available on iOS and Android with push notifications for account management. Google Analytics is used for website usage analysis. No proprietary fintech platform, open banking API, or AI/ML capability was disclosed. The credit union extended its mortgage origination onto a dedicated subdomain (mortgages.duboispike.org), and recent product emphasis has been on a tiered Youth Accounts program with branded savings characters (Sprout and Cash), age-gated access (youth checking at 12+, credit card at 16, adult conversion at 18), and community-facing scholarship programs including the Jim Schroeder Memorial Scholarship for Educators.

Go-to-market is direct-to-consumer and community-driven: members are acquired through the physical branch, drive-thru, and digital channels; member communications are sustained through monthly email newsletters, a blog, and a Facebook page. Pricing is rate-based (APR for loans, APY for share products) and is not publicly disclosed beyond general terms; loan pricing is subject to creditworthiness and term. Customer segments span general individual consumers, youth and young adults, and local small-business relationships, with no disclosed commercial or enterprise lending vertical. The credit union holds no parent company, has no subsidiaries, has not raised external funding, and has no disclosed M&A, partnership, or leadership change activity in the available data.

Name

Dubois-Pike Federal Credit Union

Legal name

Dubois-Pike Federal Credit Union

Website

https://duboispike.org

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

1–10 employees

Short description

Dubois-Pike Federal Credit Union is a federally chartered, member-owned nonprofit credit union headquartered in Jasper, Indiana, serving individuals and businesses in Dubois and Pike counties through deposit products, consumer loans, and digital banking via mobile and online channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro industry

PRIMARYFSABAEAA

Community Credit Unions (Retail/Consumer Focus)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Retail banking services
• Consumer lending
• Deposit accounts
• Mortgage lending
• Credit union services

Headquarters

HQ city

Jasper

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income from Lending: Revenue generated from interest charged on various loan products including auto loans, mortgages, home equity loans, personal loans, recreational vehicle loans, student loans, and credit cards.
2. Fee-based Services: Revenue generated from various fees including courtesy pay/overdraft protection, ATM usage, and other account-related service charges.
3. Share Certificate and IRA Products: Members deposit funds into share certificates and IRAs, with the credit union paying interest and using these funds for lending operations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Dubois-Pike Federal Credit Union is a member-owned, nonprofit federal credit union that accepts deposits (savings, checking, club, youth, money market, share certificates, IRAs) and originates consumer loans (auto, recreational vehicle, personal, mortgage, home equity, HELOC, student, share-secured, credit cards). Members access accounts through a single branch in Jasper, Indiana, and through digital channels including a mobile banking app and online banking platform.

Product overview

Dubois-Pike Federal Credit Union is a member-owned, nonprofit financial institution offering a comprehensive suite of banking products and services. The core portfolio consists of deposit products (savings, checking, money market, share certificates, IRAs, and youth accounts with tiered features by age) and lending products (auto loans, mortgages, home equity products, personal loans, RV loans, student loans, and credit cards). The institution also provides ancillary services including financial education, insurance products (credit life/disability, GAP, mechanical coverage), prepaid cards, and overdraft protection. The credit union operates primarily through digital banking channels including mobile app and online access.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Accounts Traditional savings accounts for credit union members to deposit funds and earn competitive share rates, serving individuals and households in Dubois and Pike counties, Indiana.
• Checking Accounts Everyday transaction accounts with debit card access for personal spending, bill payments, and digital banking features, available to credit union members.
• Youth Accounts Tiered banking program for children and teens featuring Sprout and Cash savings buddies, with youth checking eligibility from age 12, credit card eligibility from age 16 (with a $500 limit), and automatic conversion to adult accounts at age 18.
• Club Accounts Specialized savings accounts designed for specific savings goals such as holiday or vacation planning, available to credit union members.
• IRAs (Individual Retirement Accounts) Tax-advantaged Individual Retirement Accounts for members saving for retirement, offered as part of the credit union's deposit product suite.
• Share Certificates Term deposit accounts with fixed terms and rates, providing members with guaranteed returns on funds held for a specified period.
• Money Market Money market deposit accounts offering competitive rates with limited check-writing privileges, available to credit union members.
• ATM & VISA Debit Cards Debit card services enabling ATM withdrawals and point-of-sale purchases for credit union members on the VISA network.
• Credit Cards Revolving credit card products for members, including a youth-eligible variant available from age 16 with a $500 credit limit, subject to credit approval.
• Auto Loans Financing for the purchase of new and used vehicles at competitive APRs based on creditworthiness and loan term, for credit union members.
• Recreational Vehicle Loans Financing for boats, RVs, and ATVs with flexible term options, available to credit union members.
• Personal Loan Unsecured personal loans for personal expenses with flexible repayment options, available to credit union members.
• Mortgage Home purchase loans and refinancing options for residential properties, originated by Dubois-Pike Federal Credit Union under NMLS #695858.
• Home Equity Loan Lump-sum loans using home equity as collateral, available to credit union members for major expenses or debt consolidation.
• HELOC (Home Equity Line of Credit) Revolving home equity line of credit providing flexible access to funds as needed, secured by the member's home equity.
• Student Loans

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators1 record

Recent moves1 record

Expansion highlights3 records

Direct peers

• Teachers Credit Union (TCU): Indiana-headquartered community credit union offering comparable consumer banking, youth accounts, and digital banking products to member households across Indiana.
• Notre Dame Federal Credit Union: Indiana-based federal credit union offering comparable deposit accounts, consumer loans, and digital banking to member households in northern Indiana.
• Purdue Federal Credit Union: Indiana-based federally insured credit union offering a similar suite of deposit and consumer lending products to member households, providing direct comparability in product breadth and cooperative structure.
• Centra Credit Union: Indiana-based community credit union serving multiple Indiana counties with comparable consumer lending, deposit products, and community-focused member services.
• Indiana Members Credit Union: Indiana-headquartered community credit union offering consumer and mortgage lending, share accounts, and digital banking across multiple Indiana counties — directly comparable cooperative model.

Emerging players

• Alliant Credit Union: Online-focused credit union serving members nationwide, including Indiana; represents the digital-only competitive threat that traditional community credit unions like Dubois-Pike FCU must defend against.

Broad incumbents

• Old National Bank: Large Indiana-based commercial bank with significant branch presence in Dubois and surrounding counties; directly competes for consumer deposit and lending relationships in the same geography as Dubois-Pike FCU.
• Connexus Credit Union: Larger multi-state credit union offering comparable consumer deposit and lending products online, competing for digitally-served members across state lines including Indiana.
• German American Bank: Indiana-headquartered regional bank with strong presence in Dubois County and surrounding southern Indiana communities; primary in-market competitor for consumer banking relationships.

Regional players

• Directions Credit Union: Ohio-based community credit union with comparable consumer-focused deposit and lending product set and similar community outreach orientation; relevant as a Midwest peer rather than direct Indiana competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/DuboisPikeFCU

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dubois-Pike Federal Credit Union